Americans are often thrust into financial hardship through little fault of their own. Sometimes, filing for bankruptcy is your only chance at a fresh start. In order to file for bankruptcy, you need to hire an attorney to help you throughout the bankruptcy process. Unfortunately, most Americans cannot afford to pay for a bankruptcy attorney. This power point presentation accompanies an article I am currently writing that shows how modern consumers cannot access the bankruptcy courts simply because the U.S. Bankruptcy Code does not allow Chapter 7 attorney fees to be paid over time like Chapter 13 attorney fees can.